[Cite as Cashland Fin. Servs., Inc. v. Hoyt, 2013-Ohio-3663.]

STATE OF OHIO ) IN THE COURT OF APPEALS 

 )ss: NINTH JUDICIAL DISTRICT 

COUNTY OF LORAIN ) 

CASHLAND FINANCIAL SERVICES, 

INC. 

 Appellee 

 v. 

AMBER L. HOYT 

 Appellant 

C.A. No. 12CA010232 

APPEAL FROM JUDGMENT 

ENTERED IN THE 

COURT OF COMMON PLEAS 

COUNTY OF LORAIN, OHIO 

CASE No. 08CV156396 

DECISION AND JOURNAL ENTRY

Dated: August 26, 2013 

 

HENSAL, Judge. 

{¶1} Appellant, Amber L. Hoyt, appeals from the judgment of the Lorain County Court 

of Common Pleas. This Court affirms. 

I. 

{¶2} On October 22, 2007, Appellee, Cashland Financial Services, Inc., loaned Hoyt 

$500.00. The loan contract signed by Hoyt set forth a “Payment Schedule” that consisted of one 

payment in the amount of $575.00, which was due on November 5, 2007. On April 22, 2008, 

Cashland filed a complaint against Hoyt alleging that she breached the contract when she paid 

only $40.00 of the total amount due under the Payment Schedule. It sought judgment against 

Hoyt in the amount of $577.86, 5 percent interest per month “or fraction thereof” on the principal 

loan balance of $500.00, and 8 percent interest per annum on the remaining sum due of $77.86. 

{¶3} Hoyt filed an answer that denied the allegations in the complaint, raised several 

affirmative defenses and asserted a counterclaim against Cashland. The parties engaged in 
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extensive motion practice, during which the trial court permitted Hoyt to file a third amended 

counterclaim against Cashland that alleged: (1) breach of contract; (2) violations of the 

Consumer Sales Practices Act; (3) unjust enrichment; (4) “[m]oney [h]ad and [r]eceived” and (5) 

declaratory judgment. Hoyt brought the amended counterclaim as a class action on “behalf of 

herself and a class of all other persons similarly situated.” 

{¶4} On March 5, 2012, Cashland filed a motion for judgment on the pleadings that 

sought dismissal of Hoyt’s third amended counterclaim.1 The trial court granted Cashland’s 

motion on May 11, 2012, and found that Hoyt failed to plead allegations sufficient for it to find 

that Cashland had breached its contract with her or that there was a violation of the Ohio 

Consumer Sales Practices Act. The court further found that Hoyt’s unjust enrichment and 

money had and received claims were barred because a valid contract existed between the parties 

and that Hoyt’s request for declaratory judgment failed due to the failure of her other claims. 

Thereafter, Cashland dismissed its complaint against Hoyt without prejudice. 

{¶5} Hoyt filed a timely appeal of the trial court judgment that granted Cashland’s 

motion for judgment on the pleadings, and raises three assignments of error for this Court’s 

review. 

II. 

ASSIGNMENT OF ERROR I 

CASHLAND BREACHED ITS CONTRACT WITH MS. HOYT BY 

CHARGING INTEREST OF MORE THAN TWICE WHAT THE CONTRACT 

ALLOWS. 

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 The motion for judgment on the pleadings was captioned “Plaintiff and CounterclaimDefendant Ohio Neighborhood Finance, Inc.’s Motion for Judgment on the Pleadings” and 

further provided that “Ohio Neighborhood Finance, Inc. d/b/a Cashland” is the movant. 

Cashland’s appellate brief also lists “Ohio Neighborhood Finance, Inc.” as the appellee. The 

record does not reflect that Cashland moved to substitute “Ohio Neighborhood Finance, Inc.” as 

the party plaintiff in the trial court proceedings. 
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{¶6} Hoyt argues that the trial court erred in granting judgment in favor of Cashland on 

her breach of contract counterclaim. This Court disagrees. 

{¶7} A motion for judgment on the pleadings is akin to a delayed motion to dismiss for 

failure to state a claim. Pinkerton v. Thompson, 174 Ohio App.3d 229, 2007-Ohio-6546, ¶ 18 

(9th Dist.). The trial court must confine its inquiry to the material allegations in the pleadings. 

Gawloski v. Miller Brewing Co., 96 Ohio App.3d 160, 163 (9th Dist.1994). “[D]ismissal is 

appropriate where a court (1) construes the material allegations in the complaint, with all 

reasonable inferences to be drawn therefrom, in favor of the nonmoving party as true, and (2) 

finds beyond doubt, that the plaintiff could prove no set of facts in support of [her] claim that 

would entitle [her] to relief.” State ex rel. Midwest Pride IV, Inc. v. Pontious, 75 Ohio St.3d 565, 

570 (1996). This Court applies a de novo standard of review when reviewing a trial court’s 

ruling on a motion for judgment on the pleadings. Moss v. Lorain Cty. Bd. Of Mental 

Retardation, 185 Ohio App.3d 395, 2009-Ohio-6931, ¶ 8 (9th Dist.). 

{¶8} Hoyt alleged that Cashland breached the contract by charging her an interest rate 

greater than that stated in the agreement. “To prove a breach of contract claim[,] a plaintiff must 

demonstrate by a preponderance of the evidence that: (1) a contract existed, (2) the plaintiff 

fulfilled [her] obligations, (3) the defendant failed to fulfill its obligations, and (4) damages 

resulted from this failure.” Comstock Homes, Inc. v. Smith Family Trust, 9th Dist. Summit No. 

24627, 2009-Ohio-4864 ¶ 7, quoting Second Calvary Church of God in Christ v. Chomet, 9th 

Dist. Lorain No. 07CA009186, 2008-Ohio-1463, ¶ 9. “Where a plaintiff seeks to recover 

damages for breach of contract, the burden is upon [her] to show either substantial performance 

or tender of performance of the conditions on [her] part to be performed.” Thomas v. Matthews, 

94 Ohio St. 32 (1916), paragraph one of the syllabus. 
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{¶9} Hoyt does not allege that she repaid the loan when it matured. Accordingly, she 

has not demonstrated that she has performed her obligation under the contract. 

{¶10} Hoyt also alleged that she entered into two prior loan agreements with Cashland 

that had the same terms and conditions as the October 22, 2007 loan. To the extent, however, 

that the two prior loans form the basis of Hoyt’s claims, she has failed to sufficiently plead each 

contract. While Hoyt alleged that she repaid the two prior loans, she fails to otherwise allege the 

specifics of each contract such as the parties to the contract, the date of the contracts, and where 

the contracts were executed. Further, she failed to attach a copy of the contracts to her third 

amended counterclaim in accordance with Civil Rule 10(D)(1). 

{¶11} Upon our review of the pleadings and the subject contract, this Court finds that 

the trial court did not err in granting Cashland’s motion for judgment on the pleadings as Hoyt 

can prove no set of facts that would entitle her to relief on her breach of contract claim. 

Accordingly, Hoyt’s first assignment of error is overruled. 

ASSIGNMENT OF ERROR II 

SECTION 1315.40(B) DOES NOT AUTHORIZE MULTIPLE $20 CHECK 

COLLECTION FEES FOR A SINGLE TRANSACTION. 

{¶12} In her second assignment of error, Hoyt argues that the trial court erred in 

granting Cashland’s motion for judgment on the pleadings on the basis that neither the contract 

nor statute allows Cashland to collect multiple check collection fees. This Court disagrees. 

{¶13} At the loan closing, Hoyt provided Cashland with two checks, each in the amount 

of $287.50, that were postdated for the loan due date of November 5, 2007. Cashland deposited 

both of the checks on November 5, 2007, and both checks were returned for insufficient funds. 

The loan contract contained the following provision: “CHECK COLLECTION CHARGES: 

You will be charged $20.00 plus any amount passed on from other financial institutions for each 
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check, negotiable order of withdrawal, share draft, or any other negotiable instrument returned or 

dishonored for any reason.” This contractual language largely mirrors the statutory language 

found in former Revised Code Section 1315.40(B), which provided that: 

Check collection charges not exceeding an amount equal to twenty dollars plus 

any amount passed on from other financial institutions for each check * * * 

returned or dishonored for any reason, provided that the terms and conditions 

upon which check collection charges will be charged to the borrower are set in the 

written loan contract * * *. 

{¶14} Hoyt alleged in her counterclaim that Cashland violated the Ohio Consumer Sales 

Practices Act when it sought to charge her two $20.00 collection fees for the returned checks. 

Specifically, Hoyt’s counterclaim alleges that Cashland violated Revised Code Section 1315.41, 

which prohibited check-cashing businesses from “[c]harg[ing], * * * any additional fees or 

charges in connection with a loan, other than fees and charges permitted by sections 1315.39 and 

1315.40 of the Revised Code * * *.” Revised Code Section 1315.44 provided that a violation of 

Section 1315.41 was deemed an unfair or deceptive action in violation of Revised Code Section 

1345.02, which is a provision of the Ohio Consumer Sales Practices Act. The trial court found 

that “[t]he contract permitted Cashland, in accordance with RC 1315.40(B)[,] to charge check 

collection fees of ‘twenty dollars plus any amount passed on from other financial institutions for 

each check [* * *] returned and dishonored’ in connection with the loan.” 

{¶15} The allegations contained in the pleadings do not demonstrate that Cashland 

attempted to collect an improper check collection fee. Cashland alleged in its complaint that it 

“[had] been charged forty ($40.00) by its bank together with the sum of two dollars and 86/100 

($2.86) as a result of [Hoyt’s] checks being returned.” Based on its Complaint, Cashland did not 

attempt to recover more than what was charged by its bank for Hoyt’s returned checks in 

violation of either the contract or Section 1315.40(B). Because Hoyt’s cause of action for a 
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violation of the Ohio Consumer Sales Practices Act is predicated on a violation of Section 

1315.41, her claim must fail. Accordingly, Hoyt’s second assignment of error is overruled. 

ASSIGNMENT OF ERROR III 

SECTION 1315.39(A) ALLOWS PAY DAY LENDERS TO CHARGE THEIR 

OTHERWISE USURIOUS RATES ONLY FOR THE TERM OF THE LOAN, 

AND SETS A SIX MONTH MAXIMUM LOAN TERM. 

{¶16} Hoyt argues in her third assignment of error that the trial court erred in granting 

judgment on her counterclaim in favor of Cashland as it violated Revised Code Section 

1315.39(A) when it charged her interest at the contractual interest rate beyond the 14-day term of 

the loan. Hoyt’s assignment of error is premature as the pleadings do not demonstrate that Hoyt 

was “charge[d]” anything. While Cashland filed a complaint against her seeking interest on the 

unpaid principal balance of the loan at the contractual rate, Hoyt denied the allegations and 

asserted several affirmative defenses. There is no evidence in the pleadings that judgment was 

entered against Hoyt on Cashland’s complaint, which was subsequently dismissed without 

prejudice. Unless and until there is a judgment against Hoyt that charges her with interest past 

the 14-day term of the loan, no justiciable issue exists. Capital One Bank, N.A. v. Harland, 9th 

Dist. Wayne No. 09CA0010, 2009-Ohio-5890, ¶9. 

III. 

{¶17} Hoyt’s first and second assignments of error are overruled, and her third 

assignment of error is premature. The judgment of the Lorain County Court of Common Pleas 

granting Cashland’s motion for judgment on the pleadings is affirmed. 

Judgment affirmed. 

 There were reasonable grounds for this appeal. 
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 We order that a special mandate issue out of this Court, directing the Court of Common 

Pleas, County of Lorain, State of Ohio, to carry this judgment into execution. A certified copy of 

this journal entry shall constitute the mandate, pursuant to App.R. 27. 

 Immediately upon the filing hereof, this document shall constitute the journal entry of 

judgment, and it shall be file stamped by the Clerk of the Court of Appeals at which time the 

period for review shall begin to run. App.R. 22(C). The Clerk of the Court of Appeals is 

instructed to mail a notice of entry of this judgment to the parties and to make a notation of the 

mailing in the docket, pursuant to App.R. 30. 

 Costs taxed to Appellant. 

 

 JENNIFER HENSAL 

 FOR THE COURT 

BELFANCE, P. J. 

CONCURS IN JUDGMENT ONLY.

WHITMORE, J. 

CONCURS.

APPEARANCES:

RONALD I. FREDERICK, Attorney at Law, for Appellant. 

DREW H. CAMPBELL and ANTHONY M. SHARETT, Attorneys at Law, for Appellee.